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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,819 | $84,685-42.4% | $73,836-33.9% | $125,389-61.1% |
| Participation rate | 68.2% | 76.8%-8.6pp | 73.4%-5.3pp | 83.2%-15.0pp |
| Annual return | -2.40% | 3123.80%-3126.2pp | 2268.06%-2270.5pp | 282.24%-284.6pp |
| Employer contribution / active EE | $744 | $3,123-76.2% | $2,787-73.3% | $4,866-84.7% |
| Participant deferral / active EE | $1,259 | $3,993-68.5% | $3,583-64.9% | $5,352-76.5% |
| Admin fee / account holder | $774 | $5,694-86.4% | $4,882-84.2% | $9,541-91.9% |